Get a free quote
Get a free quote

Merchant services for mid- & high-risk businesses

Get approved. Get paid.

Keep more of it.

All Pro Payments bundles your merchant account, gateway, chargeback protection, and ACH into one relationship — plus a program that recovers up to 3% of your processing costs. Built for businesses other processors turn away, including CBD and vape.
Get a free quote
See what's included
  • No obligation to switch · Response within 1 business day
0.0% of processing cost recoverable per qualified transaction
Our surcharge & cash-discount program is registered and disclosed per card-network rules, you don't absorb the cost of accepting cards.
Program cap 3.00%
Setup fee $0
Contract None req.

Processing backed by our banking & network partners

SignaPay

Xplor

Merchants Bancard

The package

One relationship. Everything your account needs.

Instead of stitching together a gateway here and a dispute tool there, every piece is bundled and managed under one point of contact.

Merchant ID (MID)

A dedicated card-processing account underwritten for your risk tier — not a generic one-size-fits-all setup.

Card processing

Payment Gateway

Take payments in-store, online, or on subscription — with tokenized checkout and recurring billing support.

Checkout

Chargeback & Dispute Management

Early alerts, guided evidence responses, and ratio monitoring so one bad month doesn't put your MID at risk.

Protection

ACH MID

A separate bank-to-bank account for lower-cost payments — and a backup rail if your card MID is ever paused for review.

Bank transfer

Surcharge Recovery, up to 3%*

A registered, compliant program that lets you recoup card-acceptance costs at checkout instead of absorbing them.

Cost recovery

The package

One relationship. Everything your account needs.

Instead of stitching together a gateway here and a dispute tool there, every piece is bundled and managed under one point of contact.

Merchant ID (MID)

A dedicated card-processing account underwritten for your risk tier — not a generic one-size-fits-all setup.

Card processing

Payment Gateway

Take payments in-store, online, or on subscription — with tokenized checkout and recurring billing support.

Checkout

Chargeback & Dispute Management

Early alerts, guided evidence responses, and ratio monitoring so one bad month doesn't put your MID at risk.

Protection

ACH MID

A separate bank-to-bank account for lower-cost payments — and a backup rail if your card MID is ever paused for review.

Bank transfer

Surcharge Recovery, up to 3%*

A registered, compliant program that lets you recoup card-acceptance costs at checkout instead of absorbing them.

Cost recovery

Industries we know

Built for the businesses other processors won't touch

We underwrite with your industry’s realities in mind, not against them — so applications move faster and stay approved.

CBD & Hemp

Topicals, tinctures & e-commerce. We know what a COA and THC documentation need to look like.

Vape & E-cigarette

Retail and online, with PACT Act registration and age-verification built into onboarding.

Nutraceuticals & Supplements

Subscription and continuity billing supported, with descriptor clarity to keep chargebacks down.

Subscription & E-commerce

Recurring billing, tokenized cards, and dispute alerts tuned for card-not-present risk.

Collections & Debt Services

Reviewed case-by-case with our partners to match the right underwriting fit.

Travel & High-Ticket

Delayed-delivery risk handled with reserve structures built for the category.

Onboarding

Three steps from application to your first transaction

Apply

Tell us about your business and volume. We'll tell you exactly which documents your industry needs before you submit no back-and-forth guessing.

Get matched & approved

We route your file to whichever banking partner fits your risk profile best, so you're not stuck with a one-size-fits-all decision.

Start processing

Your MID, gateway, ACH account, and surcharge program go live together — with one team to call if anything needs attention.

Get your free quote

Tell us about your business. We’ll come back with real pricing and which of our partners fits your industry — usually within one business day.
  • No cost, no obligation
  • Straightforward answer on what your industry needs
  • One point of contact through approval and beyond
By submitting, you agree to be contacted about All Pro Payments services. We don’t share your info with anyone outside our processing partners.
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